+91-22-48913909SIP Vs FD
Which is a Better Investment Option?
Individuals are always in a catch 22 situation when it comes to choosing between FD and SIP for investment. SIP is a mode of investment in Mutual Funds through which individuals can deposit small amounts at regular intervals. FD, on the other hand, is an investment avenue where people deposit a certain amount for a fixed tenure and get back the amount with interest during maturity. So, let us understand which is better between FD and SIP, SIP return calculator, Top SIP to invest, and much more.
What is a Systematic Investment Plan or SIP?
Systematic Investment plan or SIP is an investment mode in Mutual Funds which allows people to deposit small amount at regular intervals. SIP can also be referred to as a goal-based investment. SIP is one of the beauties of Mutual Funds through which people can invest as per their convenience. Through SIP people can plan to achieve many objectives like purchasing a house, purchasing a vehicle, planning for higher education, and much more. Though SIP mode of investment is available in many schemes, however, it is generally referred in the context of Equity Funds.
People can start their SIP investment with the amount as low as INR 500.
What is a Fixed Deposit or FD?
Fixed Deposit of FD refers to an investment avenue which is generally offered by banks and Post Office. In case of FD, people need to deposit a considerable amount as a one-time payment for a fixed time frame. Here, people get back their investment amount at the end of the tenure. However, people cannot break the FD during the tenure and if they try to break they need to pay some charges to the Bank. The FD income earns interest on the investment. This interest income earned is taxable in the hands of investors.
Which One to Choose?
Since SIP is an investment mode in Mutual Funds while FD is an investment avenue it itself; both of them show different characteristics. So, let us understand the differences between both of them.
Minimum Investment
The minimum investment in Mutual Funds through SIP mode of investment starts with INR 500. Therefore, it can be ensured that it does not pinch people’s pockets much. Moreover, the frequency of SIP can also be set as monthly or quarterly as per people’s convenience. On the other hand, in FD the minimum investment amount ranges between INR 1,000-10,0000. Since FD investment is through lump sum mode, therefore, people do not keep on Investing the amount.
Tenure
FDs being a traditional investment avenue are considered for both short-term and long-term investment. The tenure of FD can be 6 months, 1 year and can go up to 5 years. On the contrary, SIP is generally chosen for long-term investment. Since SIP is generally referred in the context of equity funds, the long-term investment would help you to earn maximum revenues. In addition, people can enjoy maximum benefits if they are held longer.
Returns
The returns on FD is fixed in the form of interest which does not change over a period of time. For the Financial Year 2017-18, the FD rates range between 6%-7% approximately if the investment is kept for one year. On the contrary, in case of SIP, the returns are not fixed as the returns are dependent on the performance of the underlying equity shares. However, if the Mutual Funds are held for a period of more than five years have given historical returns of more than 15%.
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Risk Appetite
The risk-appetite of FD is considered to be less as compared to SIP. FDs are generally offered by banks. On the other hand, the risk appetite of SIP is more than the FD. However, if the SIP is held for a longer-tenure, the probabilities of loss reduces.
Liquidity
The liquidity in case of SIP is more as compared to FD. In case of SIP, if people redeem their investment they can get the money back in T+3 days for equity funds. However, in case of debt funds, the settlement period is T+1 days. However, in case of fixed deposits, it is not easy to redeem it. Even if people try for premature withdrawals, they need to pay some charges to the bank.
Taxation
The taxation rules in case of Mutual Funds and FDs both are different. In case of FDs, for the Financial year 2017-18, the interest earned is charged as per the individual’s regular tax slabs. However, as SIP is generally with respect to equity funds, therefore the tax rules related to equity funds are explained as follows.
For the Financial Year 2017-18, if the equity funds are sold after one year from the date of purchase, they are applicable for long-term Capital Gains which is not taxable. However, if these funds are sold before one year from the date of purchase then; it is subject to short-term capital gain which is charged at a flat rate of 15% irrespective of the individual’s tax slab.
Characteristics
SIP has a lot of features such as rupee cost averaging, the Power of Compounding, and so on, which is not available in case of an FD. So, let us see what do these characteristics mean.
1. Rupee Cost Averaging
In case of SIP, people invest in Mutual Fund units at regular time periods when the markets are showing different price behaviour. Therefore, when the markets are showing a downtrend, people can purchase more units and vice versa. Therefore, the purchase price of units gets averaged out due to SIP. However, in case of FD, this feature is not available as the amount is deposited for only one time.
2. Power of Compounding
SIP is applicable to compounding. Compounding refers to the compound interest where the interest amount is calculated on the principal amount and already accumulated interest. In case of FD, the interest amount is also subject to compounding.
3. Disciplined Savings Habit
SIP develops disciplined savings habit among individuals as people need to deposit money at regular intervals. On the contrary, in FD as people deposit the money only once, they may or may not develop a disciplined savings habit.
The table given below summarizes the differences between SIP and Fixed Deposits.
| Parameters | SIP | Fixed Deposits |
|---|---|---|
| Returns | Varies as per the Fund’s performance | Predetermined |
| Minimum Investment | Starts from INR 500 | Ranges between INR 1,000 – 10,000 |
| Tenure | Generally used for long-term | Both Short and Long-term tenure |
| Risk | High | Low |
| Liquidity | High | Low |
| Taxation | Short-term: Taxed at a Flat Rate of 15% Long-term: Not Taxed | Taxed as per individual’s slab rates |
| Features | Rupee Cost Averaging, Power of Compounding, & Disciplined Savings Habit | Power of Compounding |
Fund Selection Methodology used to find 5 funds
Best SIP to Invest for FY 26 - 27
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) Aditya Birla Sun Life Small Cap Fund Growth ₹102.325
↓ -0.13 ₹5,865 1,000 12.5 28.5 20.9 14.6 13.6 -3.7 DSP Natural Resources and New Energy Fund Growth ₹108.194
↓ -0.29 ₹2,441 500 0 0.9 19.7 18.2 15.3 17.5 Invesco India Growth Opportunities Fund Growth ₹110.72
↑ 0.31 ₹11,746 100 9.7 19 8.7 21.5 16.2 4.7 SBI Small Cap Fund Growth ₹186.633
↓ -0.51 ₹39,955 500 10.7 22.1 7.9 10.9 13.7 -4.9 Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹62.12
↓ -0.60 ₹3,648 1,000 4.5 4 4.8 9.2 9.7 17.5 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Sep 26 Research Highlights & Commentary of 5 Funds showcased
Commentary Aditya Birla Sun Life Small Cap Fund DSP Natural Resources and New Energy Fund Invesco India Growth Opportunities Fund SBI Small Cap Fund Aditya Birla Sun Life Banking And Financial Services Fund Point 1 Lower mid AUM (₹5,865 Cr). Bottom quartile AUM (₹2,441 Cr). Upper mid AUM (₹11,746 Cr). Highest AUM (₹39,955 Cr). Bottom quartile AUM (₹3,648 Cr). Point 2 Oldest track record among peers (19 yrs). Established history (18+ yrs). Established history (19+ yrs). Established history (17+ yrs). Established history (12+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 5★ (bottom quartile). Rating: 5★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Point 5 5Y return: 13.63% (bottom quartile). 5Y return: 15.31% (upper mid). 5Y return: 16.24% (top quartile). 5Y return: 13.72% (lower mid). 5Y return: 9.72% (bottom quartile). Point 6 3Y return: 14.62% (lower mid). 3Y return: 18.22% (upper mid). 3Y return: 21.49% (top quartile). 3Y return: 10.93% (bottom quartile). 3Y return: 9.20% (bottom quartile). Point 7 1Y return: 20.89% (top quartile). 1Y return: 19.71% (upper mid). 1Y return: 8.70% (lower mid). 1Y return: 7.86% (bottom quartile). 1Y return: 4.76% (bottom quartile). Point 8 Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 3.86 (upper mid). Alpha: -1.22 (bottom quartile). Alpha: 4.29 (top quartile). Point 9 Sharpe: 0.40 (upper mid). Sharpe: 0.93 (top quartile). Sharpe: 0.23 (lower mid). Sharpe: -0.04 (bottom quartile). Sharpe: 0.08 (bottom quartile). Point 10 Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 1.19 (top quartile). Information ratio: -0.63 (bottom quartile). Information ratio: -0.02 (bottom quartile). Aditya Birla Sun Life Small Cap Fund
DSP Natural Resources and New Energy Fund
Invesco India Growth Opportunities Fund
SBI Small Cap Fund
Aditya Birla Sun Life Banking And Financial Services Fund
(Erstwhile Aditya Birla Sun Life Small & Midcap Fund) An Open ended Small and Mid Cap Equity Scheme with an objective to generate consistent long-term capital appreciation by investing predominantly in equity and equity related securities of companies considered to be small and midcap. The Scheme may also invest a certain portion of its corpus in fixed income securities including money market instruments, in order to meet liquidity requirements from time to time. Below is the key information for Aditya Birla Sun Life Small Cap Fund Returns up to 1 year are on To seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch international Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes. Research Highlights for DSP Natural Resources and New Energy Fund Below is the key information for DSP Natural Resources and New Energy Fund Returns up to 1 year are on (Erstwhile Invesco India Growth Fund) The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved. Research Highlights for Invesco India Growth Opportunities Fund Below is the key information for Invesco India Growth Opportunities Fund Returns up to 1 year are on (Erstwhile SBI Small & Midcap Fund) The Scheme seeks to generate income and long term capital appreciation by
investing in a diversified portfolio of predominantly in equity and equity related securities of small & midcap Companies Research Highlights for SBI Small Cap Fund Below is the key information for SBI Small Cap Fund Returns up to 1 year are on The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved. Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Small Cap Fund
Aditya Birla Sun Life Small Cap Fund
Growth Launch Date 31 May 07 NAV (09 Sep 26) ₹102.325 ↓ -0.13 (-0.13 %) Net Assets (Cr) ₹5,865 on 31 Jul 26 Category Equity - Small Cap AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.89 Sharpe Ratio 0.4 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹9,959 31 Aug 23 ₹12,637 31 Aug 24 ₹17,128 31 Aug 25 ₹15,698 31 Aug 26 ₹19,396 Returns for Aditya Birla Sun Life Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26 Duration Returns 1 Month 3% 3 Month 12.5% 6 Month 28.5% 1 Year 20.9% 3 Year 14.6% 5 Year 13.6% 10 Year 15 Year Since launch 12.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 -3.7% 2024 21.5% 2023 39.4% 2022 -6.5% 2021 51.4% 2020 19.8% 2019 -11.5% 2018 -22.6% 2017 56.7% 2016 9.7% Fund Manager information for Aditya Birla Sun Life Small Cap Fund
Name Since Tenure Abhinav Khandelwal 31 Oct 24 1.75 Yr. Dhaval Joshi 21 Nov 22 3.7 Yr. Data below for Aditya Birla Sun Life Small Cap Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Consumer Cyclical 19.6% Financial Services 17.11% Health Care 14.63% Industrials 13.31% Basic Materials 12.35% Consumer Defensive 8.55% Technology 3.82% Real Estate 3.32% Utility 1.52% Communication Services 1.08% Asset Allocation
Asset Class Value Cash 1.91% Equity 95.29% Debt 2.8% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sai Life Sciences Ltd (Healthcare)
Equity, Since 30 Jun 25 | SAILIFE3% ₹173 Cr 1,313,192 Reverse Repo
Sovereign Bonds | -3% ₹164 Cr Navin Fluorine International Ltd (Basic Materials)
Equity, Since 31 Jul 20 | NAVINFLUOR3% ₹159 Cr 210,525 Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Mar 25 | UJJIVANSFB3% ₹157 Cr 21,907,129
↑ 3,000,000 Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 31 May 20 | RADICO2% ₹131 Cr 302,373 Shaily Engineering Plastics Ltd (Basic Materials)
Equity, Since 31 Oct 25 | 5014232% ₹128 Cr 416,964
↑ 40,000 Karur Vysya Bank Ltd (Financial Services)
Equity, Since 30 Nov 24 | 5900032% ₹125 Cr 3,662,155
↑ 230,000 CCL Products (India) Ltd (Consumer Defensive)
Equity, Since 31 May 20 | CCL2% ₹123 Cr 1,060,480 Dr. Lal PathLabs Ltd (Healthcare)
Equity, Since 31 Aug 25 | LALPATHLAB2% ₹119 Cr 625,542
↑ 108,240 RBL Bank Ltd (Financial Services)
Equity, Since 30 Nov 25 | RBLBANK2% ₹118 Cr 3,147,305
↑ 190,000 2. DSP Natural Resources and New Energy Fund
DSP Natural Resources and New Energy Fund
Growth Launch Date 25 Apr 08 NAV (08 Sep 26) ₹108.194 ↓ -0.29 (-0.27 %) Net Assets (Cr) ₹2,441 on 31 Jul 26 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.99 Sharpe Ratio 0.93 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,087 31 Aug 23 ₹11,945 31 Aug 24 ₹18,466 31 Aug 25 ₹16,654 31 Aug 26 ₹20,836 Returns for DSP Natural Resources and New Energy Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26 Duration Returns 1 Month -0.2% 3 Month 0% 6 Month 0.9% 1 Year 19.7% 3 Year 18.2% 5 Year 15.3% 10 Year 15 Year Since launch 13.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 17.5% 2024 13.9% 2023 31.2% 2022 9.8% 2021 42.8% 2020 11.5% 2019 4.4% 2018 -15.3% 2017 43.1% 2016 43.1% Fund Manager information for DSP Natural Resources and New Energy Fund
Name Since Tenure Rohit Singhania 1 Jul 12 14.09 Yr. Data below for DSP Natural Resources and New Energy Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Energy 54.19% Basic Materials 29.65% Utility 7.67% Industrials 1.51% Technology 0.85% Consumer Cyclical 0.03% Asset Allocation
Asset Class Value Cash 5.92% Equity 94.08% Debt 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Energy I2
Investment Fund | -10% ₹238 Cr 602,478 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 08 | 5005478% ₹201 Cr 6,286,211 Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 08 | RELIANCE8% ₹191 Cr 1,459,519
↑ 95,499 Jindal Steel Ltd (Basic Materials)
Equity, Since 31 Mar 20 | 5322867% ₹167 Cr 1,511,761 Tata Steel Ltd (Basic Materials)
Equity, Since 31 Aug 16 | TATASTEEL7% ₹161 Cr 8,510,930 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 May 20 | 5003126% ₹149 Cr 6,127,650
↑ 1,020,351 Indian Oil Corp Ltd (Energy)
Equity, Since 31 May 25 | IOC6% ₹148 Cr 10,557,999 Hindustan Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 13 | HINDPETRO6% ₹142 Cr 3,649,839 Hindustan Zinc Ltd (Basic Materials)
Equity, Since 31 Mar 09 | 5001885% ₹125 Cr 2,320,281
↑ 453,475 Hindalco Industries Ltd (Basic Materials)
Equity, Since 31 Oct 15 | HINDALCO4% ₹105 Cr 1,078,917
↑ 124,935 3. Invesco India Growth Opportunities Fund
Invesco India Growth Opportunities Fund
Growth Launch Date 9 Aug 07 NAV (09 Sep 26) ₹110.72 ↑ 0.31 (0.28 %) Net Assets (Cr) ₹11,746 on 31 Jul 26 Category Equity - Large & Mid Cap AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.82 Sharpe Ratio 0.23 Information Ratio 1.19 Alpha Ratio 3.86 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,269 31 Aug 23 ₹11,812 31 Aug 24 ₹18,457 31 Aug 25 ₹19,408 31 Aug 26 ₹21,935 Returns for Invesco India Growth Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26 Duration Returns 1 Month -0.4% 3 Month 9.7% 6 Month 19% 1 Year 8.7% 3 Year 21.5% 5 Year 16.2% 10 Year 15 Year Since launch 13.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 4.7% 2024 37.5% 2023 31.6% 2022 -0.4% 2021 29.7% 2020 13.3% 2019 10.7% 2018 -0.2% 2017 39.6% 2016 3.3% Fund Manager information for Invesco India Growth Opportunities Fund
Name Since Tenure Aditya Khemani 9 Nov 23 2.73 Yr. Data below for Invesco India Growth Opportunities Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Financial Services 25.39% Health Care 19.41% Consumer Cyclical 19.18% Industrials 18.96% Real Estate 7.97% Basic Materials 2.4% Communication Services 1.59% Utility 1.3% Technology 0.9% Asset Allocation
Asset Class Value Cash 2.88% Equity 97.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | ETERNAL8% ₹942 Cr 31,143,612 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | MAXHEALTH7% ₹867 Cr 7,896,916
↑ 228,546 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO7% ₹831 Cr 1,606,179
↑ 121,316 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK7% ₹830 Cr 5,780,757
↑ 532,261 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Dec 23 | PRESTIGE5% ₹608 Cr 3,763,037
↑ 458,587 Sai Life Sciences Ltd (Healthcare)
Equity, Since 31 Dec 24 | SAILIFE5% ₹563 Cr 4,283,799 ABB India Ltd (Industrials)
Equity, Since 30 Jun 23 | ABB5% ₹547 Cr 751,266
↑ 142,644 Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | 5002514% ₹491 Cr 1,633,683 The Federal Bank Ltd (Financial Services)
Equity, Since 30 Nov 22 | FEDERALBNK3% ₹394 Cr 10,987,013 L&T Finance Ltd (Financial Services)
Equity, Since 30 Apr 24 | 5335193% ₹353 Cr 11,339,315 4. SBI Small Cap Fund
SBI Small Cap Fund
Growth Launch Date 9 Sep 09 NAV (09 Sep 26) ₹186.633 ↓ -0.51 (-0.27 %) Net Assets (Cr) ₹39,955 on 31 Jul 26 Category Equity - Small Cap AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.58 Sharpe Ratio -0.05 Information Ratio -0.63 Alpha Ratio -1.22 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹11,687 31 Aug 23 ₹13,929 31 Aug 24 ₹19,140 31 Aug 25 ₹17,640 31 Aug 26 ₹19,653 Returns for SBI Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26 Duration Returns 1 Month 1.6% 3 Month 10.7% 6 Month 22.1% 1 Year 7.9% 3 Year 10.9% 5 Year 13.7% 10 Year 15 Year Since launch 18.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 -4.9% 2024 24.1% 2023 25.3% 2022 8.1% 2021 47.6% 2020 33.6% 2019 6.1% 2018 -19.6% 2017 78.7% 2016 1.3% Fund Manager information for SBI Small Cap Fund
Name Since Tenure R. Srinivasan 16 Nov 13 12.71 Yr. Data below for SBI Small Cap Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Consumer Cyclical 25.73% Industrials 20.78% Financial Services 15.66% Basic Materials 12.89% Technology 5.84% Consumer Defensive 3.38% Health Care 2.22% Utility 2.17% Real Estate 0.86% Communication Services 0.4% Asset Allocation
Asset Class Value Cash 9.92% Equity 89.92% Debt 0.16% Top Securities Holdings / Portfolio
Name Holding Value Quantity Ather Energy Ltd (Consumer Cyclical)
Equity, Since 30 Apr 25 | ATHERENERG4% ₹1,702 Cr 13,507,612
↓ -6,589,348 Navin Fluorine International Ltd (Basic Materials)
Equity, Since 31 Mar 20 | NAVINFLUOR3% ₹1,235 Cr 1,631,795 Honeywell Automation India Ltd (Industrials)
Equity, Since 31 Dec 25 | HONAUT3% ₹1,138 Cr 298,145 City Union Bank Ltd (Financial Services)
Equity, Since 30 Jun 20 | CUB3% ₹1,082 Cr 52,419,485 Belrise Industries Ltd (Consumer Cyclical)
Equity, Since 31 Dec 25 | BELRISE3% ₹1,031 Cr 43,542,092 Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 May 20 | KPIL3% ₹1,019 Cr 7,900,000 ZF Commercial Vehicle Control Systems India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 21 | ZFCVINDIA3% ₹1,016 Cr 4,200,000 Sundaram Fasteners Ltd (Consumer Cyclical)
Equity, Since 28 Feb 25 | SUNDRMFAST2% ₹977 Cr 10,000,000 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Jun 26 | MCX2% ₹888 Cr 3,300,000
↑ 450,568 Krishna Institute of Medical Sciences Ltd (Healthcare)
Equity, Since 30 Jun 23 | 5433082% ₹885 Cr 11,000,000
↓ -1,323,990 5. Aditya Birla Sun Life Banking And Financial Services Fund
Aditya Birla Sun Life Banking And Financial Services Fund
Growth Launch Date 14 Dec 13 NAV (09 Sep 26) ₹62.12 ↓ -0.60 (-0.96 %) Net Assets (Cr) ₹3,648 on 31 Jul 26 Category Equity - Sectoral AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk High Expense Ratio 1.99 Sharpe Ratio 0.08 Information Ratio -0.02 Alpha Ratio 4.29 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Aug 21 ₹10,000 31 Aug 22 ₹10,126 31 Aug 23 ₹11,933 31 Aug 24 ₹14,509 31 Aug 25 ₹14,932 31 Aug 26 ₹16,380 Returns for Aditya Birla Sun Life Banking And Financial Services Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 Sep 26 Duration Returns 1 Month -2.1% 3 Month 4.5% 6 Month 4% 1 Year 4.8% 3 Year 9.2% 5 Year 9.7% 10 Year 15 Year Since launch 15.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 17.5% 2024 8.7% 2023 21.7% 2022 11.5% 2021 16.8% 2020 1.1% 2019 14.9% 2018 -2.4% 2017 47.6% 2016 15.7% Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund
Name Since Tenure Dhaval Gala 26 Aug 15 10.94 Yr. Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Jul 26
Equity Sector Allocation
Sector Value Financial Services 96.27% Technology 1.03% Asset Allocation
Asset Class Value Cash 1.69% Equity 98.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | ICICIBANK14% ₹522 Cr 3,636,644 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | HDFCBANK10% ₹378 Cr 5,058,496 Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 5322158% ₹283 Cr 2,302,100 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 5000347% ₹250 Cr 2,187,250
↑ 50,000 Shriram Finance Ltd (Financial Services)
Equity, Since 30 Jun 23 | SHRIRAMFIN5% ₹197 Cr 1,886,669 State Bank of India (Financial Services)
Equity, Since 31 Oct 17 | SBIN5% ₹184 Cr 1,793,689
↓ -125,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 19 | KOTAKBANK3% ₹115 Cr 2,956,665
↓ -390,000 AU Small Finance Bank Ltd (Financial Services)
Equity, Since 30 Nov 23 | 5406113% ₹110 Cr 1,046,861 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 21 | SBILIFE3% ₹100 Cr 533,402 PNB Housing Finance Ltd (Financial Services)
Equity, Since 31 Aug 24 | PNBHOUSING3% ₹97 Cr 918,856
SIP Return Calculator
The returns of SIP keep on varying. However, assuming the historical rate of returns being 15%, let’s see how the SIP investment of INR 1,000 grows over a period of 12 months.
FD Calculator
The FD rates also keep on varying from bank to banks. However, assuming the interest rate to be 6%, let us see how the FD will perform over a period of 12 months if the investment amount is INR 1,000.
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Conclusion: SIP or FD
To conclude, it can be said that SIP has more advantages as compared to FD. However, it is always advised to people that they understand a scheme’s functioning completely before investing. In addition, they can even consult a personal financial advisor to ensure that their investment is safe and their objectives are met.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Research Highlights for Aditya Birla Sun Life Small Cap Fund